Hair Transplant Insurance | Is Hair Transplant Covered By Insurance

A hair transplant is a surgery doctors use to treat male pattern baldness. Also, it is another treatment that standard health insurance does not cover. The number of grafts used determines how much this treatment will cost. Insurance companies won’t pay for it because the surgery costs go up as the number of grafts increases. Let’s learn about hair transplant insurance.

This is because most insurance plans cover procedures that make you look better. Some examples are breast implants, breast reduction, moles (even if they are harmless), varicose veins, bunions, weight loss surgeries, and tummy tucks.

Insurance doesn’t cover cosmetic procedures unless related to a previous condition. For example, breast implants aren’t part of coverage unless you suffer breast cancer and have a mastectomy or reconstructive surgery.

Patients who need to stay in the hospital to treat a disease or surgery necessary for their health are part of the coverage by a Health Insurance plan as long as they meet specific requirements. Hair transplant surgery is neither a treatment nor an operation that improves a person’s health. 

Hair transplants cost money, take time, and have side effects.

The American Hair Loss Association expresses that by age 35, around two out of each three men in the U.S. will have lost some hair. There are numerous ways of getting back a portion of the hair you’ve lost over the long run and in regular daily existence.

What does a hair transplant mean?

Hair Transplant Insurance

A hair transplant is a cosmetic procedure that transfers hairs from one scalp area (the “donor site”) to another.

A hair transplant surgeon may be able to give you a fuller, denser head of hair by relocating DHT-resistant follicles from the back and sides of your head to the front.

If you have sufficient donor hair and the ability for hair to grow on the balding areas of your scalp, a hair transplant performed by an experienced surgeon will replicate the appearance and texture of your natural hairline.

Health insurance will pay for treatments for hair loss.

Hair is the most crucial part of a person’s appearance, but 58 percent of men between 30 and 50 have hair loss in Asian and European countries. Trichology: An International Journal. Women suffer less, but they are also part of the problem. People in India used to think baldness was a typical trait that happened to everyone after a certain age.

People nowadays care more about how they look and how clean they are. Loss of hair is called alopecia in medicine. Too much hair loss can also lead to baldness. Baldness has turned into a scary nightmare for men at a young age.

  • They also worry about whether or not their health insurance will cover hair loss.
  • Things to think about before getting a hair transplant

Before you decide to have hair transplant surgery, think about the following:

It is essential to set goals that can be reached. If you don’t have much hair to start with, a transplant won’t give you a full head of hair. The results will be better if your hair is thick and dense.

Most of the time, thick, light-colored, or grey hair works better than thin, dark-colored hair.

After hair transplantation, it can take up to nine months for the hair to grow roots and start to fill in.

Think about the price. Most of the time, neither Medicare nor private health insurance companies will give rebates for cosmetic surgery. On the other hand, hair replacement surgery is a reconstructive treatment. So, health insurance may pay for it if the hair loss appears by burns or traumas. Ask your surgeon if you have to pay anything out of pocket.

People who smoke are more likely to have problems after surgery. If you’re thinking about surgery, you should stop smoking. After hair transplant surgery, you may need more care from a doctor.

How much does it cost to get hair from a donor?

Hair Transplant Insurance

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How much a hair transplant costs depends on a lot of different things. It will cost between $4,000 and $15,000 most of the time.

Here are some things that affect how much something costs:

How much hair doctors move: It costs much more to move hair over the scalp than just in one or two small spots.

How to do it

Follicular unit strip surgery (FUSS) and follicular unit extraction are the two most common methods for transplanting hair (FUE). The cost of a hair transplant is determined by the chosen method.

Experts in their field typically charge more than less-recognized competitors. However, more money does not always result in a better outcome. It is essential to gather as much information as possible about the surgeon and the treatment.

Surgical procedures may be more expensive in areas with a high cost of living. The number of hair transplant surgeons in an area influences the price. If there are few available, prices could be higher.

Many individuals do not consider the cost of transportation to and from the clinic or hospital. However, travelling far to find a qualified surgeon may be necessary, increasing the total cost.

Some clinics provide financing or payment plans to help spread the cost of treatment over multiple installments.

How Hair Transplantation Works

Hair Transplant Insurance

Follicular Unit Transplantation (FUT) and Follicular Unit Extraction are the two most common methods for transplanting hair (FUE). Typically, the outcomes of each procedure are nearly identical.

FUE Transplantation of Hair

FUE is a more recent hair transplant technique. It involves removing individual hair follicles, also known as follicular units, and relocating them. According to an article in the Journal of Cutaneous and Aesthetic Surgery, the surgeon removes hair from the scalp with minimal scarring using tiny “micro punches.”

FUE is advantageous because it does not result in a large scar. Instead, it leaves behind hundreds of tiny scars that are significantly less noticeable after healing, especially for individuals with light hair who may not be able to completely conceal a scar from a traditional “strip method” hair transplant.

FUT is used for hair transplantation.

In FUT, a strip of healthy hair is removed from a donor area on your head, typically in the back, where it is less noticeable. This donor hair strip is moved to the thinnest scalp area and adhered there.

According to a study published in the World Journal of Plastic Surgery, FUT hair transplants are more likely to result in regrowth than FUE hair transplants. FUT has the disadvantage of leaving a more prominent scar on the back of the head. This scar is visible when the hair is shaved or cut short. It is also essential to remember that the surgeon or dermatologist who performs the cosmetic surgery significantly impacts its efficacy.

FUE requires more time than FUT, which makes sense, and is generally more effective for treating smaller areas. However, both techniques produce the same natural-looking results around the hairline and crown, minus the scarring, which should not be visible if the hair on the back of your head, is dark and thick.


Surgical procedures are costly and can wipe out one’s savings. Some surgical procedures are covered by insurance, but others are not. Due to the high cost of many of these treatments, individuals who require them frequently put them off because they believe they are unnecessary.

However, you now have no reason to delay your surgery. You can now make monthly payments for any of these corrective surgeries. This is possible with EasyEMI, an EMI service offered by HDFC.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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